The Best Credit Cards (Also Prepaid) In Austria

VISA, American Express, Mastercard or Prepaid Credit Cards | from 0,00 € annual fee

The services of the individual providers are often very different. On this page you will find ours

  • Online calculator
  • Background knowledge and recommendations on credit cards as well
  • Information about prepaid credit cards

Not everyone receives a credit card without a problem Anyone who does not have a regular income may be denied. In particular, students and the unemployed are affected. You can usually buy only one prepaid credit card. Corresponding maps are therefore also taken into account in our comparison.

We have both free credit cards and chargeable credit cards. Decide for yourself which services and which costs are right for you.

You will also find details on our other pages

  • Mortgage / home loans
  • Installment loans (up to 65,000 €)
  • Small loans (up to 2,000 €)
  • current accounts

Online calculator Credit Cards

How to find the right card

How to find the right card

A credit card is needed nowadays in many cases. Online shopping and booking flights are just two examples. It is important that the costs and the interest rates are kept within limits. Our credit card calculator shows you who is suitable for which card. Also included in the evaluation are additional benefits such as bonuses or insurance benefits.

  • Costs / interest
  • Bonuses programs
  • insurance benefits

Here you will find our calculator

Credit card recommendation with checking account :

Credit card recommendation with checking account :

Here we recommend the DKB. She also allows

  • withdraw free money and pay worldwide
  • at 0 Euro card fee.
  • In addition, the borrowing rate is lower than the Advanzia.

This credit card is financed only through loan interest.


Why a credit card?

Why a credit card?

Often the question is whether you really need a credit card or not. However, the trend is very clear: More and more merchants are offering or preferring to pay by credit card, whether online or locally in the store. In the following cases, it is recommended to have a credit card:

  • rent a car
  • pay without cash on the spot
  • shopping at online shops (whether foreign or domestic)
  • Book hotels
  • pay securely online

What should be considered when choosing a credit card?

What should be considered when choosing a credit card?

The most relevant differences between credit cards can be found in the following points:

  • Credit Card Processing
  • Cost differences
  • additional services

A price comparison is therefore worthwhile – calculate now your savings or renewal fees! Our credit card comparison also offers prepaid credit cards. Once you have found the right credit card, you can apply for it directly online.

Credit Card Processing

There are several credit card providers, with the following being among the biggest and most important:

  • American Express
  • Diners Club
  • MasterCard
  • VISA

Considering the credit card acceptance in Europe and especially Austria, MasterCard and VISA are particularly recommendable. Also worldwide, you are well equipped with these cards.

Cost of a credit card

With the fees one can differentiate between basic fees and interest costs . In particular, the basic or annual fees are immense differences. Height fees are not automatically an indication of more power. Sometimes a free credit card is sufficient.

Pay attention to the topic annual sales : For some cards, the fees will be refunded if the customer generates a certain volume of sales within a year.

In turn, interest is charged when a true loan function is in place. This is the case with Diners Club. The user of such a card has a credit line. This means that the loan does not have to be repaid immediately and ongoing repayments are possible. The majority of customers, on the other hand, prefer a timely clearing with the checking account, as is the case, for example, with MasterCard or VISA. As a rule, there are no interest costs.

additional services

There are a variety of additional services in the field of credit cards. However, these are usually insurance benefits , such as travel cancellation insurance. The protection of such an insurance takes effect, if you have decided to book the credit card payment and a break in travel occurs. However, one should think twice, if one really needs such additional services. Often they are insurance companies that are not particularly efficient. Bonus programs may be more worthwhile.


How can I charge my prepaid credit card?

How can I charge my prepaid credit card?

In order to be able to make a payment with the prepaid credit card, the credit card account must be sufficiently covered. The prepaid credit card must therefore be charged if use is being considered.

Transfer from the account to the credit card

A transfer from a checking account to the prepaid credit card account can be made. If the checking account and credit card are the same bank , the transfer will probably be faster than with different bank providers. Sometimes a customer has to wait up to 2 working days for different banks to receive the payment. The transfer can of course also be made by other persons or their bank account . Some providers may also set up a standing order for the credit card account.

cash deposit

If the bank of the prepaid card has a local branch, then also depositing cash is an option on how to charge the credit card account. As a customer, you can rely on both the staff at the counter and self-service terminals.


Thanks to providers like Giropay, a direct transfer is often possible. This books the money directly to the credit card. There may be additional costs and not every bank supports this service.